You give up the right to a jury trial and cannot join or lead a class action lawsuit against Acorns — all claims must be pursued individually through arbitration.
This analysis describes what Acorns's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The waiver of jury trial and class action participation alters the procedural framework for dispute resolution by restricting proceedings to individual arbitration, which affects how and where claims can be adjudicated and the available remedies structure.
This waiver prevents you from joining other Acorns users in a collective lawsuit, which is typically the most effective remedy when many people suffer small financial harms — such as unauthorized fees or systemic errors — from the same company practice.
How other platforms handle this
You and Teachable agree to resolve any disputes through final and binding arbitration, except as set forth under Exceptions to Agreement to Arbitrate below. You also agree that disputes will only be resolved on an individual basis and not as a class, consolidated, or representative action.
Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by arbitration in San Francisco County, California, in accordance with the Streamlined Arbitration Rules and Procedures of Judicial Arbitration and Mediation Services, Inc. ("JAMS") then in effect, by ...
WHERE PERMITTED UNDER THE APPLICABLE LAW, YOU AND NETFLIX AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, where permitted under the applicable law, unless ...
Monitoring
Acorns has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
"YOU AND ACORNS WAIVE ANY RIGHT TO A JURY TRIAL. YOU ALSO WAIVE ANY RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS ACTION PROCEEDING. NOTHING IN THESE TERMS OF USE SHALL AFFECT ANY NON-WAIVABLE STATUTORY RIGHTS THAT APPLY TO YOU.— Excerpt from Acorns's Acorns Terms of Service
(1) REGULATORY FRAMEWORK: Class action waivers in consumer financial services contracts are regulated under Dodd-Frank Act Section 1028 (CFPB arbitration rulemaking authority), FTC Act Section 5 (unfair or deceptive acts), and state consumer protection statutes including California's Consumers Legal Remedies Act (CLRA, Cal. Civ. Code § 1750 et seq.) and New York General Business Law § 349. The Supreme Court upheld class action waivers in AT&T Mobility LLC v. Concepcion (563 U.S. 333, 2011) and American Express Co. v. Italian Colors Restaurant (570 U.S. 228, 2013), providing federal precedent for enforceability. (2)
Full compliance analysis
Regulatory citations, enforcement risk, and due diligence action items.
Free: track 1 platform + weekly digest. Monitor: 25 platforms + same-day alerts. No credit card required.
Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and how the opt-out process works.
561 arbitration provisions across 197 platforms. ConductAtlas tracks how dispute resolution is being restructured across the internet.
Compliance Governance Intelligence
Need to monitor specific governance provisions?
Compliance includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
The waiver of jury trial and class action participation alters the procedural framework for dispute resolution by restricting proceedings to individual arbitration, which affects how and where claims can be adjudicated and the available remedies structure.
This waiver prevents you from joining other Acorns users in a collective lawsuit, which is typically the most effective remedy when many people suffer small financial harms — such as unauthorized fees or systemic errors — from the same company practice.
ConductAtlas has identified this type of provision across 16 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Acorns.